credit risk manager

Malaa

<div><h3 class="jobSectionHeader">Description</h3><div> 
About CreditLine:</div><div>
CreditLine is an innovative micro-lending company dedicated to transforming access to credit by leveraging cutting-edge artificial intelligence (AI) and machine learning (ML). Our mission is to bridge the gap in financial inclusion by serving individuals employed in the private sector and others traditionally underserved by conventional banking institutions. At CreditLine, we believe every borrower is unique. Our AI-driven platform analyzes comprehensive behavioral data beyond traditional financial metrics, enabling us to deliver personalized credit solutions tailored specifically to each customer&rsquo;s financial circumstances and risk profile. This technology-driven approach allows us to assess risk more fairly and accurately, ensuring individuals receive the credit they deserve at terms aligned precisely with their needs. By combining advanced data science with a deep understanding of market gaps, CreditLine empowers people to unlock their financial potential, fostering greater economic opportunity and financial resilience for everyone.</div><div></div><div> 
Job Summary:</div><div>
The Credit Risk Manager owns CreditLine&rsquo;s credit risk process and strategy for consumer financing and serves as the company&rsquo;s subject-matter expert on retail credit risk. The role is responsible for reviewing credit applications from a credit risk perspective including repayment history, creditworthiness, and behavioral indicators leading and supporting the team of credit analysts to ensure consistent, high-quality decision-making, and representing CreditLine on credit risk matters in front of investors, creditors, regulators, and other third parties. The manager also prepares board- and executive-level reports covering portfolio performance, origination quality, and credit risk indicators to support sound decision-making across the organization.</div><div></div><h3 class="jobSectionHeader"> 
Roles and Responsibilities:</h3> 
<ul>
<li>
 Own the end-to-end credit risk process and strategy for CreditLine&rsquo;s consumer financing business, and act as the company&rsquo;s subject-matter expert on retail credit risk.</li>
<li>Design, implement, and continuously enhance credit risk policies, procedures, and limits governing the issuance, monitoring, and recovery of credit across consumer financing products.</li>
<li> Develop and maintain the credit risk appetite framework for the retail portfolio, including portfolio limits, concentration thresholds, exception protocols, and approval authority matrices.</li>
<li>Review credit applications from a credit risk perspective including repayment history, creditworthiness, debt burden, and behavioral indicators providing the final risk decision</li>
<li> Lead, coach, and support the team of credit analysts, setting standards for credit assessments, ensuring consistent application of credit policy, and developing the team&rsquo;s technical capabilities.</li>
<li> Represent CreditLine on credit risk matters in front of investors, creditors, rating agencies, regulators, auditors, and other third parties, providing clear and credible articulation of the company&rsquo;s credit risk posture.</li>
<li> Prepare board-level and executive-level reports covering portfolio performance, origination quality, vintage trends, delinquency and roll rates, concentration shifts, and early-warning indicators of credit deterioration.</li>
<li> Provide the credit risk department&rsquo;s scope, data, and inputs to the CFO to support the Expected Credit Loss (ECL) and IFRS 9 provisioning process owned by Finance.</li>
<li> Drive enhancements to the credit risk engine, scoring methodologies, and decisioning logic to maintain a best-practice consumer financing approach aligned with the retail customer base.</li>
<li>Collaborate with product, operations, technology, and collections teams to ensure credit strategies align with business goals and to streamline the end-to-end consumer credit decisioning process.</li>
<li> Lead initiatives to enhance the efficiency and automation of credit risk evaluation using advanced analytics, AI, and data-driven insights.</li>
<li> Ensure compliance with SAMA&rsquo;s Consumer Finance Regulations, Responsible Lending Principles, and other applicable credit-related guidelines and reporting requirements.</li>
<li> Foster a strong credit risk culture across the organization through training, awareness sessions, and ongoing engagement with business stakeholders.</li>
<li> Support different teams with the existing counter fraud and AML efforts.</li></ul> 
<h3 class="jobSectionHeader">
Skills, Knowledge and Expertise</h3> 
<ul>
<li>
Bachelor's degree in Finance, Economics, Business Administration, or a related field.</li>
<li> 7+ years of experience in credit risk management, consumer lending, fintech, banking, or financial services.</li>
<li> Strong analytical and problem-solving skills with the ability to interpret complex financial and behavioral data.</li></ul> 
<h3 class="jobSectionHeader">
About Malaa</h3><div>
Malaa is the leading wealth management tool in the Kingdom, addressing the gap in the financial products offerings and advancing cutting-edge technology adoption by offering data-driven financial products and services that empower individuals and organizations for better financial decisions. Established in November 2021, Malaa aims to be the go-to for financial decision-making, whether it&rsquo;s for saving, lending, or investing. Malaa is regulated by the Saudi Central Bank (SAMA) for Open Banking activities and the Capital Market Authority for Robo-advisory and asset management activities.</div><div></div><div> 
Malaa is spearheading Open Banking in the Kingdom as the first Open Banking company to officially launch its services for its users and the first company to offer behavioral risk profiling for its lending partners, leveraging Open Banking data with exceptional engineering and data science capabilities.</div><div>
 
For more information, visit: www.malaa.tech</div></div>

Credit Risk Manager

<div>Work Location:
Coral Gables, Florida, United States of America
Hours:
40
Pay Details:
$148,720 - $223,080 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:
Personal &amp; Commercial Banking
Job Description:
The Commercial Credit Manager is responsible for ensuring quality underwriting, compliance and credit monitoring within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. This job manages the credit underwriting and credit administration functions within a Regional Market or Middle Market. The key accountabilities of this role are credit understanding and approval, people management, development and coaching of the credit analysts, and ensuring continued coaching in credit skills and capabilities development and career development for analysts. The Commercial Credit Manager manages a subset of credit analysts within a market, where teams are large enough to warrant the position. The Commercial Credit Manager works closely with the Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.
Depth &amp; Scope:
<ul><li>Manages preliminary research on potential customers to determine alignment with TD Bank products/structure while also assisting in assessments of credit needs and alignment with TD Credit Risk Appetite
</li><li>Attends site visits as needed or as requested
</li><li>Manages Credit Analysts in creation of preliminary spreads, cash flow, BRR, and term sheet used and assets on the decision to move forward with potential clients; Has oversight of Officer Analysis, input BRR, FRR, Covenant &amp; ARD
</li><li>Ensures that all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies &amp; procedures (including but not limited to: AML, Privacy, Firewalls, Systems &amp; Information Security, FCAC, etc) and ensures that all staff complete required compliance attestations/training within required timelines
</li><li>Manages all credit applications, ensuring they provide a high quality of risk assessment, credit structure analysis, due diligence, and credit presentation
</li><li>Ensures appropriate balance between customer risk and pricing
</li><li>Has joint signature approval on credits within delegated limits and makes recommendations on all others
</li><li>Ensures the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
</li><li>Interprets and applies TDs risk management strategy (both credit and operational)
</li><li>Implements and operates systems to identify and mitigate operational risk issues, including acting as the Units designated anti-money laundering officer
</li><li>Understands changing market conditions and remains knowledgeable of relevant industry issues
</li><li>Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and assists in developing strategy if failures occur, completing monthly monitoring
</li>Leads a team of Analysts in monitoring loan covenants, loan delinquencies, and the annual review and renewal of existing credit relationships 
<li>
</li></ul> 
Education &amp; Experience:
<ul><li>Undergraduate degree in Accounting or Finance
</li><li>MBA preferred
</li><li>10+ years experience in related field
</li><li>Demonstrates credit underwriting and administration skills.
</li><li>Proven ability to identify and mitigate risk.
</li><li>In-depth understanding of value-add credit structuring in a commercial banking environment.
</li><li>Excellent communication skills with proven understanding of business acumen.
</li><li>Demonstrates interpersonal skills.
</li><li>Customer focused.
</li><li>Demonstrated planning and organizational skills.
</li></ul>Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
<ul><li>Domestic Travel &ndash; Occasional
</li><li>International Travel &ndash; Never
</li><li>Performing sedentary work &ndash; Continuous
</li><li>Performing multiple tasks &ndash; Continuous
</li><li>Operating standard office equipment - Continuous
</li><li>Responding quickly to sounds &ndash; Occasional
</li><li>Sitting &ndash; Continuous
</li><li>Standing &ndash; Occasional
</li><li>Walking &ndash; Occasional
</li><li>Moving safely in confined spaces &ndash; Occasional
</li><li>Lifting/Carrying (under 25 lbs.) &ndash; Occasional
</li><li>Lifting/Carrying (over 25 lbs.) &ndash; Never
</li><li>Squatting &ndash; Occasional
</li><li>Bending &ndash; Occasional
</li><li>Kneeling &ndash; Never
</li><li>Crawling &ndash; Never
</li><li>Climbing &ndash; Never
</li><li>Reaching overhead &ndash; Never
</li><li>Reaching forward &ndash; Occasional
</li><li>Pushing &ndash; Never
</li><li>Pulling &ndash; Never
</li><li>Twisting &ndash; Never
</li><li>Concentrating for long periods of time &ndash; Continuous
</li><li>Applying common sense to deal with problems involving standardized situations &ndash; Continuous
</li><li>Reading, writing and comprehending instructions &ndash; Continuous
</li><li>Adding, subtracting, multiplying and dividing &ndash; Continuous
</li></ul>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities &amp; duties are considered essential functions for ADA purposes.
Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package 
 
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more
Additional Information:
 
We&rsquo;re delighted that you&rsquo;re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we&rsquo;re committed to providing the support our colleagues need to thrive both at work and at home.
 
 
Colleague Development
If you&rsquo;re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You&rsquo;ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. 
If you&rsquo;re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training &amp; Onboarding
 
We will provide training and onboarding sessions to ensure that you&rsquo;ve got everything you need to succeed in your new role.
 
 
Interview Process
 
We&rsquo;ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.</div>

Commercial Credit Mgr II - Regional Commercial Banking

QNB Group

<div>
 
 About QNB
 
 
 
 Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.
 
 
 QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.
 
 
 QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.
 
 
 Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.
 
 
 QNB Group has an active community support program and sponsors various social, educational and sporting events.
 
 
 
 Job Purpose Summary
 
 
 
 The incumbent will be responsible for assisting the management of the process of credit approval on individual credit facility proposals for Corporate and Retail customers (only those retail proposals that fall outside applicable policy parameters), forwarded to them by the appropriate departments/ units. The incumbent will assess the quality of the credit exposure sought to be undertaken and adherence to established policies and procedures. The incumbent will constantly research and seek to apply best practices in credit risk, in accordance with Basel II and other relevant guidelines.
 
 
 Main Duties
 
 
 <ul>
 <li>
 Perform activities within the assigned Credit Risk Strategy that reflects the Group&rsquo;s tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.
 </li>
 <li>
 Ensure the use of a standardized process for evaluating credit proposals ensuring that all approved credits are within QNB&rsquo;s Credit Risk Strategy.
 </li>
 <li>
 Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on periodic basis
 </li>
 <li>
 Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor same.
 </li>
 <li>
 Implements KPI&rsquo;s and best practices for role
 </li>
 <li>
 Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank.
 </li>
 <li>
 Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.
 
 
 </li>
 </ul>
 Education/Skills
 
 
 <ul>
 <li>
 University graduate (Bachelor&rsquo;s degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.
 </li>
 <li>
 Professional certification such as PRM, CPA, CFA is preferred.
 </li>
 <li>
 Sound typically a Minimum of 8 years&rsquo; experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.
 </li>
 <li>
 Excellent oral and numerical and written communication skills in English and Arabic (preferred).
 </li>
 <li>
 Knowledge of Basel II Accord, with particular emphasis on credit-related issues and credit modelling methodologies.
 </li>
 <li>
 Excellent quantitative modelling, analytical, and research skills.
 </li>
 <li>
 Experience in working with large and complex data sets. Knowledge of financial markets and products.
 </li>
 <li>
 Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.
 </li>
 <li>
 In-depth understanding of credit risk methodologies (KMV, Credit / Metrics, etc.), interest rate modelling [short rate models, HJM, BGM, etc.], VAR, and/or other complex financial risk modelling highly desirable.
 </li>
 <li>
 Adequate knowledge of IT systems/ applications.
 </li>
 <li>
 Self-motivated, eye for detail with ability to work with others and lead teams from diverse cultural backgrounds.
 
 
 </li>
 </ul>
 Note: you will be required to attach the following:
 
 
 <ul>
 <li>
 Resume/CV
 </li>
 <li>
 Copy of your Passport
 </li>
 <li>
 Copy of Education Certificate
 </li>
 </ul>
</div>

QNB3641 - Senior Manager - Credit Risk (Omanization)

Morgans Originals

<div>Company Description 
Join a hotel that is a member of the Accor network, whose group brings together more than 45 brands, 5,500 hotels, 10,000 restaurants and lifestyle destinations. Here, we believe in you and what you bring to the table. There are many opportunities for development and advancement. Every gesture, every smile, every action, contributes to creating a positive and memorable impact for our customers, our colleagues and also for our planet. Together, we embody the vision of responsible hospitality.
Take the opportunity to become a Heartist&reg;, and let your heart guide you in this world where life beats faster. 
Job Description 
Responsibilities
Credit Assessment and Risk Management:<ul><li>Evaluate the creditworthiness of potential clients, including corporate clients, travel agents, and groups.</li><li>Review and approve credit applications, ensuring they meet the hotel&rsquo;s credit policy.</li><li>Analyze customer financial history and determine appropriate credit limits for each account.</li><li>Regularly monitor and assess accounts to identify and mitigate potential credit risks.</li></ul>
Accounts Receivable Management:<ul><li>Oversee the management of accounts receivable, ensuring that all invoices are sent promptly and payments are collected on time.</li><li>Follow up on outstanding accounts and overdue payments to ensure timely resolution.</li><li>Manage aging reports and work proactively to reduce overdue accounts and minimize bad debt.</li><li>Ensure that all payments are posted correctly and accurately in the hotel&rsquo;s financial systems.</li></ul>
Credit Policy Enforcement:<ul><li>Ensure that all credit policies are adhered to by guests, corporate clients, travel agencies, and other stakeholders.</li><li>Monitor and enforce the hotel&rsquo;s credit terms, ensuring that clients&rsquo; credit limits and payment terms are respected.</li><li>Approve or decline requests for extended credit or credit extensions in line with hotel policy.</li></ul>
Collections and Dispute Resolution:<ul><li>Lead and manage the collections process, working with customers to ensure timely and full payment.</li><li>Address and resolve disputes or issues related to billing, credit terms, and payment discrepancies.</li><li>Negotiate payment arrangements with clients who may be facing financial difficulties.</li><li>Work with the legal department or external collections agencies when necessary to recover overdue payments.</li></ul>
Reporting and Financial Analysis:<ul><li>Prepare and submit regular reports on accounts receivable, aging balances, collections progress, and credit risk to senior management.</li><li>Provide recommendations on improving cash flow, reducing overdue accounts, and optimizing the credit control process.</li></ul><ul><li> 
Assist in preparing financial statements by ensuring all receivables are accounted for and accurately reported.</li></ul>
Team Leadership and Supervision:<ul><li>Supervise and train the accounts receivable and credit team to ensure efficient operations.</li><li>Provide guidance on credit management best practices, improving team performance and reducing errors.</li><li>Foster a collaborative and effective working environment within the credit and finance departments.</li></ul>
Internal and External Coordination:<ul><li>Coordinate with sales, reservations, and front office departments to ensure accurate billing and timely payment processing.</li><li>Work closely with the finance department to ensure proper cash flow management and adherence to budgets.</li><li>Communicate effectively with clients, internal teams, and other stakeholders to address credit-related issues.</li></ul>
Compliance and Documentation:<ul><li>Ensure compliance with all applicable regulations, industry standards, and internal policies concerning credit management.</li><li>Maintain accurate records of all credit agreements, transactions, and payment history.</li><li>Ensure proper filing and documentation of all credit-related documents for auditing purposes.</li></ul>
Additional Responsibilities:<ul><li>Perform any other duties or responsibilities as assigned by management to support the effective operation of the department and the broader goals of the property.</li></ul> 
People &amp; Culture
Employee Relations<ul><li>Foster a positive and structured work environment which encourages the successful operation of the business, calling upon the necessary processes to deal with disciplinary, grievance and workforce change situations.</li><li>Work alongside with the People &amp; Culture leader to investigate, document and administer corrective action immediately and effectively to reach the mutual goals of the business and the Heartist.</li></ul>
Recruitment<ul><li>Hire new Heartists in conjunction with the People &amp; Culture Leader through INES.</li><li>Use the interview guides provided and Talent Meter to gain further information on any potential candidate.</li></ul>
Employee Engagement and Communications<ul><li>Strive to increase Heartist engagement by promoting a positive work environment where each Heartist is informed and proactive about the overall business goals. Ensure the consistent delivery of business and associate information with transparency so that each Heartist understands how they contribute to the company&rsquo;s success. This will include working on the Employee Engagement Survey (EES) and People &amp; Culture Audit. Ensure the EES Champions for the hotel/departmental action plans in order to increase Heartist engagement and improve EES scores year on year.</li><li>Represent the organization as an exemplary ambassador the Accor All Inclusive - Heartist Service Culture.</li><li>Labour Turnover to be closely monitored and proactive actions taken with regards to trends and suggestions to People &amp; Culture leader as well as Hotel Manager/General Manager.</li></ul> 
Learning &amp; Talent Development &amp; Performance Management<ul><li>Ensure bi-annual Talent Review process is conducted and associated documentation maintained to the required standard.</li><li>Facilitate the performance management cycle from probation reviews, annual performance reviews, development plans as well as on the job training.</li><li>Ensure Departments have adequate Departmental trainers, and these are well utilised.</li><li>For all supervisory positions have a transparent development programme in place in conjunction with the Talent &amp; Culture leader as well as Learning &amp; Development.</li><li>Development of direct reports to give them ongoing feedback and development.</li><li>Contributes to the morale and team spirit of the hotel by maintaining effective relationships with colleagues.</li><li>Performs additional duties as directed by supervisors.</li><li>Makes appropriate suggestions and recommendations to supervisors for the general improvement of the hotel.</li><li>Is fully conversant with all health and safety, fire and emergency procedures.</li><li>Maintains a high standard of personal hygiene, dress, uniform, and body language.</li><li>Is polite and professional in any situation where the image or regulation of the hotel is represented.</li><li>Attends meetings and training as required by supervisors.</li><li>Ensures that all activities are carried out honestly, ethically, and within the parameters of local Law.</li><li>Interacts with guests actively soliciting feedback.</li></ul>
Finance<ul><li>The activities and contribution of the role will impact the performance of the hotel.</li><li>Act on behalf of the business to work through complex situations and reduce risk, interpreting and implementing company policies and employment legislation as appropriate.</li><li>Exercise sound judgment and integrity at all times to ensure confidentiality of protected information.</li><li>Be fiscally competent in budgeting, forecasting including the commentary that goes with the documents/meetings.</li><li>Demonstrate full awareness of departmental budget/P&amp;L and work towards achieving it by minimizing expenses and maximizing room revenue.</li></ul> 
This role demands strategic thinking, strong leadership, and a focus on delivering exceptional guest experiences while maximizing revenue and profitability. 
Qualifications 
Abilities/Key Competencies/Skills
Alongside these key competencies, the incumbent of the role will be required to demonstrate the fundamentals of the company&rsquo;s Heartist service culture to be responsive, respectful and deliver a great experience. 
Leading Myself<ul><li>Positive Orientation</li><li>Operational Decision Making</li><li>Self-Development &amp; Management</li></ul>
Leading Others<ul><li>Developing an Empowered Team</li><li>Leading an Engaged and Diverse Team</li><li>Communication</li></ul> 
Leading the Business<ul><li>Advocating Guest Passion</li><li>Business Planning and Analysis</li><li>Business Improvement and Change</li></ul> 
Experience/Certificates/Education<ul><li>Experience: At least 3-5 years of experience in credit management, preferably within the hospitality industry.</li><li>Education: A degree in Finance, Accounting, Business Administration, or a related field. A certification in credit management or finance (e.g., Certified Credit Executive - CCE) is a plus.</li><li>Skills &amp; Attributes:</li></ul>
o Proficiency in accounting software and property management systems (e.g., Opera, SAP, or similar platforms).
o Strong Microsoft Excel skills for data analysis, reporting, and financial tracking.
o Strong ability to analyze financial data, assess credit risks, and make informed decisions.
o Strong negotiation skills to resolve payment issues, extend credit terms, or settle disputes.
o Ability to manage financial records and ensure accuracy in all credit-related activities.
o Ability to resolve issues related to billing, collections, and disputes effectively.
o Experience in supervising and guiding a team to meet departmental objectives. 
Additional Information 
Your team and working environment: 
In 1-2 sentences, introduce the team, property or office environment in a way that reflects the culture 
Note: Customization may be included for any specific local or legislative requirements, such as work permits 
Our commitment to Diversity &amp; Inclusion: 
We are an inclusive company and our ambition is to attract, recruit and promote diverse talent.</div>

Credit

Worldpay

<div>Job Description
Job Posting Description
Are you ready to unleash your full potential? We&rsquo;re looking for people who are passionate about payments to chart Worldpay&rsquo;s path to being the largest and most-loved payments company in the world.
About The Team 
The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders. 
 
What You Will Be Doing 
The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant&rsquo;s credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay.<ul><li>
Obtains and reviews the financial statements of merchants</li><li>
Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure</li><li>
Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.</li><li>
Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority</li><li>
Communicates effectively and professionally with internal and external clients</li><li>
Exercises sound judgment in assessing potential regulatory and reputational risks</li><li>
Monitors and communicates credit concerns to management</li><li>
Role is hybrid and requires 2-3 days in office</li></ul>
What you will bring:<ul><li>
Minimum of 5-8 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos</li><li>
Effective communication skills; attention to detail</li><li>
Strong judgment and decision-making skills</li><li>
Self-starter, able to work independently; possesses a strong sense of ownership</li><li>
Ability to creatively solve problems and achieve company objectives</li><li>
Time management skills with ability to multitask</li></ul>
Bonus if you have:<ul><li>
Knowledge of merchant acquiring services and the payment processing industry</li><li>
Degree in Finance, Accounting, or similar formal credit training</li></ul>
What We Offer You<ul><li>
A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for growth and development within a growing team.</li><li>
The opportunity to focus on a broad range of industries and financial topics.</li><li>
A work environment built on collaboration, flexibility and respect.</li><li>
A competitive salary and benefits designed to help support your lifestyle and well being</li></ul>
#LI-BJ1 

EEOC Statement
Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here.
If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.</div>

Credit Analyst Senior - US Large Credit Risk / Merchant Underwriting

Sublime Wireless Inc

DescriptionThe Manager of Credit Research plays a pivotal role in directing research efforts that support credit rating and economic evaluation functions. This position involves developing sectoral and company analyses, overseeing comprehensive report preparation, and ensuring all research aligns with evolving macroeconomic conditions. The role requires collaboration across departments and with external stakeholders to enhance research quality and maintain competitive market positioning. Candidates must possess strong analytical abilities to interpret complex financial data and communicate findings effectively through detailed reports and presentations, while efficiently managing multiple research projects against strict deadlines.Responsibilities:<ul><li>Develop and implement the Research Department&rsquo;s work plan for quarterly, semi-annual, and annual activities including sectoral studies, dashboards, and external assignments.</li><li>Provide strategic leadership ensuring all research activities support organizational goals and long-term vision.</li><li>Lead the Equity Research function by expanding sectoral and company coverage and supervising the timely delivery of data-driven research outputs.</li><li>Review and approve sectoral reports, economic analyses, thematic studies, dashboards, and proposals to ensure accuracy, quality, and adherence to research standards.</li><li>Ensure the timely preparation of key reports including Event Insights, Budget Commentary, sectoral updates, and dashboards that inform strategic decision making.</li><li>Monitor and analyze industry and macroeconomic trends to keep the company&rsquo;s strategies adaptive and aligned with market changes.</li><li>Lead, mentor, and develop a team of four research professionals, promoting a culture of analytical rigor, continuous learning, and professional growth.</li><li>Collaborate with cross-functional teams and external stakeholders to leverage knowledge sharing, enhance research capabilities, and strengthen the company's market position.</li><li>Manage multiple research projects simultaneously, ensuring deadlines are met without compromising quality or depth of analysis.</li><li>Maintain up-to-date knowledge of regulatory requirements and compliance standards to guide research practices.</li><li>Utilize advanced financial databases, Excel, and research tools to support comprehensive financial modeling, valuation, and risk assessment tasks.</li><li>Communicate complex financial insights clearly and effectively in written reports and presentations to internal and external audiences.</li></ul>Experience<ul><li>5 Years</li></ul>Required Skills<ul><li>Credit Analysis</li><li>Financial Modeling</li><li>Risk Assessment</li><li>Industry Research</li><li>Regulatory Compliance</li><li>Equity Research</li><li>Equity research reports</li><li>Financial Analysis</li><li>Valuation Techniques</li><li>Excel Advanced</li><li>Report Writing</li><li>Data Interpretation</li></ul>Nice to Have Skills<ul><li>Team Leadership</li><li>Project Management</li><li>Presentation Skills</li></ul>Pay: Rs250,000.00 - Rs300,000.00 per monthWork Location: In person

Manager, Credit Research

Intuit

<div><h2 class="jobSectionHeader">Overview</h2>
One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside QuickBooks for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity. That&rsquo;s how we power prosperity. 
 
QuickBooks Capital is a nimble and high-priority business unit within Intuit that is looking to reinvent small business borrowing. We are the fastest growing SMB lending business in the market. We are looking for top talent and team members that love new challenges, cracking tough problems and working cross-functionally. If you are looking to join a fast-paced, innovative and incredibly fun team, then we encourage you to apply. 
 
 As a key leader of the Credit Risk Management team for Intuit&rsquo;s business credit card product, this individual will be responsible for developing, optimizing and managing strategies for credit card underwriting, risk-based pricing, portfolio management, debt collections and loss forecasting. They will provide a strategic vision for growing product adoption by leveraging test and learn agendas, life time valuations based decisioning and risk prediction models. They will be responsible for developing and maintaining the credit policy for all stages of the product life cycle, and will be accountable for program performance. 
 
 They will lead a team of analysts to set analytical agendas by identifying business priorities, framing key risk questions, and translating them into clear analysis roadmaps for the team. They will identify business problems that require modeling solutions and collaborate heavily with the Data Science team in the development and deployment of risk and performance prediction models. They will be an active proponent of leveraging AI and automation in developing analytical insights, updating models and deploying strategy changes. 
 
This individual will effectively partner with multiple cross-functional teams to implement and monitor strategy changes across the card lifecycle. They will partner heavily with the marketing team to identify prospects from Intuit&rsquo;s vast customer base and drive customer acquisition efforts. This is a high visibility leadership role that presents an excellent opportunity to grow an analytical team through hiring, mentoring and developing talent. 
Responsibilities
Develop, implement and manage credit risk management strategies across customer targeting, underwriting, portfolio management, collections and drive overall card profitability
Leverage cashflow analyses and other business data of Intuit&rsquo;s Quick Books customers to enhance underwriting and overall risk management
Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks
Develop monitoring frameworks and reporting on key performance indicators
Establish performance expectations and maintain accountability for variance with actuals
Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability
Partner with Product, Engineering, Compliance, Marketing, Operations, Capital Markets and other functions to implement and monitor credit strategy changes
Proactively contribute innovative concepts for the creation of new financing products at Intuit 
Qualifications
Minimum 8 years of experience in credit risk analytics and risk management, with some people management experience 
 
Familiarity with risk scoring and modeling techniques including regression modeling, multivariate analyses and machine learning 
 
Familiarity with credit data such as bureau attributes and risk scores, cash flow attributes and alternate data sources 
 
Excellent analytical and problem-solving skills with a proven track record of converting analysis insights into business recommendations 
 
Exceptional verbal and written communication skills to effectively communicate complex ideas and influence senior audiences in decision making 
 
Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau
MS/PhD in quantitative fields such as Statistics, Mathematic, Finance, Economics, Operations Research. 
Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit&reg;: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is: 
Mountain View $199,500 - $270,000
New York City $187,000 - $253,000</div>

Senior Staff Fraud Risk Analyst

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